I don’t like tracking things, so a change I made recently was to use larger budget categories. Instead of mortgage, electric, gas, yard, etc. categories it is H

I don’t like tracking things, so a change I made recently was to use larger budget categories. Instead of mortgage, electric, gas, yard, etc. categories it is House as a category and all those things are in there. I used to use the categories as a form of a checklist to make sure bills were paid on time, now with major categories it’s less tracking/paperwork. The other change was putting as many bills on autopay with a points credit card and just paying the card off every month. If you’re susceptible to carrying a balance then that’s not recommended but it does cut down the number of dates/bills to track. Having huge budget categories doesn’t let you track how much you spend on lattes, LOL, but if you notice your large category for Living at $1000/month (groceries, dining out, clothes, diapers, etc) is being used faster than $250/week during a month you have a bunch of potential items to cut back on in that category to keep it on goal. With smaller budget categories, I found myself reviewing at end of month and then “trying better” next month and it felt like whack-a-mole.